Australia’s most common winter horse claims – and what they could cost owners

As temperatures fall across Australia, winter often brings a rise in equine health issues ranging from lameness and soft tissue injuries to colic and wound infections. Wet paddocks, colder conditions and changes in routine can all increase health risks for horses during the colder months.

Recent claims data from Petcover Australia, analysing equine claims lodged between June and August 2025, highlights the conditions most commonly affecting horses during winter and the financial impact they can carry for owners.

Lameness remains the most common winter claim

Lameness-related conditions accounted for around 40% of winter equine claims, making it the leading issue recorded during the period.

The claims included:

• Undiagnosed forelimb lameness
• Joint inflammation
• Hoof abscesses
• Musculoskeletal strains and injuries

Average paid claims ranged from approximately A$350 to A$4,900, depending on severity and treatment required.

Veterinarians often see an increase in these conditions during winter as wet, uneven and slippery paddocks place additional strain on joints and soft tissues. Older horses and performance horses continuing regular work through colder conditions can be particularly vulnerable.

Digestive conditions continue to pose a significant risk

Digestive-related illnesses, including colic and gastric ulceration, represented around 15% of winter claims.

Average paid claims ranged between A$700 and A$2,100, while some severe cases exceeded A$7,400.

Reduced pasture access, changes to feeding routines, dehydration and lower levels of turnout during winter are all recognised risk factors associated with digestive complications in horses.

Colic remains one of the most serious emergencies in equine care and, in severe cases, can require extensive veterinary intervention or surgery.

Soft tissue injuries persist through colder months

Soft tissue injuries, including tendon and ligament damage such as Deep Digital Flexor Tendon (DDFT) injuries, accounted for approximately 18% of winter claims.

Average claim costs ranged from around A$760 to A$1,450.

Many of these injuries are associated with:

• Slippery ground conditions
• Heavy or waterlogged paddocks
• Sudden slips or awkward movement
• Ongoing training strain

Recovery periods for tendon and ligament injuries can often be lengthy, requiring rest, rehabilitation and follow-up veterinary treatment.

Wounds and lacerations can escalate quickly

Cuts, lacerations and wound-related injuries made up around 12% of winter claims.

Average paid claims ranged from approximately A$1,100 to A$2,700, with maximum claims reaching just above A$3,900.

Muddy paddocks, fencing hazards and shared turnout areas can all increase the likelihood of injury during winter. Veterinary professionals warn that even relatively minor wounds can deteriorate rapidly if infection develops or treatment is delayed.

Equine mortality claims highlight the importance of protection

Equine mortality claims linked to illness or injury accounted for around 13% of claims during the winter period and were among the most expensive cases recorded.

Average paid claims ranged from approximately A$1,500 to A$9,500.

For many owners, sudden illness or injury can create both emotional distress and significant unexpected costs, particularly during winter when horses may already be under increased environmental stress.

Preparing horses for winter

While not every illness or accident can be prevented, equine experts recommend several measures to help reduce winter health risks:

• Maintaining consistent feeding and hydration
• Monitoring paddock conditions regularly
• Warming horses up properly before exercise
• Keeping hoof and dental care up to date
• Watching for changes in appetite or behaviour

For many horse owners, winter can be one of the most demanding seasons of the year. Understanding the conditions most commonly affecting horses during colder months may help owners identify issues earlier and make more informed decisions about care and treatment.

Disclaimer: Claims figures are based on Petcover’s internal equine claims data from June – August 2025, and may vary depending on condition severity, treatment required, policy terms and individual circumstances. Terms & conditions apply.